Let’s see, what’s happened since I last updated about this mess?
I filed a claim with FedEx. They wrote me a check, and I was briefly really excited… Until I learned it was only $100, again, the full extent of their liability since I didn’t buy extra insurance.
All I need is another 48 payments like that and I’ve got the frame replacement covered!
So, that finishes off any possible claims with people who did the shipping. They agree that I have a legitimate claim, but they just don’t have to pay fully to make it right.
Meanwhile, our homeowners insurance has rejected the claim unless I can prove somehow it was one of the 16 perils listed in our policy. Which is impossible. I can’t imagine how I, or anyone, would determine exactly whether something was dropped on to the box, or whether the box fell off a truck, or what.
I have contacted John Duggan, a lawyer specializing in bike issues, to get some advice. But lawyers are expensive, so I don’t want to waste a lot of time and resources going down that road. I suspect all the parties involved–BikeFlights, FedEx, and USAA–all are thoroughly covered with impenetrable armor of legal language absolving them of any responsibility.
It’s so frustrating. I made one possibly wrong choice–to not get shipping insurance–and now even though I did nothing wrong, my family suffers the consequences. The insurance was super expensive (relatively) and I thought my box would protect it. I guess I feel like I’m not the one who crushed the frame. Why am I the one who gets punished? Why do we pay for homeowners insurance if they can just weasel out of paying for personal property damage?
I’m just disgusted with the whole system, and resigning myself to not replacing the bike. I have my old Cannondale. I can’t justify spending that much again on what is ultimately a toy.